4 Things You Absolutely Should Not Do After You Apply for a Mortgage

If you have a good credit history and are prepared to invest in a home, you may be feeling pretty confident about the mortgage process. However, it’s important to be aware that there are things that can have a negative impact on your application. Whether you’ve just submitted your documents or are getting close to it, here are some things you may want to avoid.

Acquiring New Credit

It may seem silly that something as minor as a new credit card can be a mark against your credit, but applying for new ones can be a bad sign to lenders. The problem is that this can be signal an unmanageable debt load, so you may be considered a high risk for not being able to make your payments.

Forget To Pay Your Bills

It’s easy enough to get lulled into the feeling that your mortgage application will be approved, but this doesn’t mean that you should forget your financial responsibilities. If you’ve had poor credit in the past and neglected paying your bills on time, now is not the time to do this. Instead, ensure that you’re paying all bills and any applicable minimum payments in advance of the due date so your credit score is not impacted.

Close Old Credit Cards

Many people think that closing out old credit cards can be a positive financial step forward and a good way to streamline their finances, but this can cause damage to your credit score. Because closing a credit card will change your available balance and bump up your debt load, it may mean that your debt percentage will increase. Instead of risking this, leave them active until you’ve received approval.

Quit Your Job

Few people will have the ability to quit their job when they’re applying for a mortgage, but doing this or incurring other fluctuations in your monthly income can cause problems with your application. If you are self-employed, there may be peaks and valleys in your finances, but a huge shift in what you bring home can show lenders that you’re not a solid bet.

There can be a lot of stress that comes along with the mortgage application process, but by paying your bills on time and staying on top of your payments, you can avoid negatively impacting your approval.   To start your home search, give me a call – J.P. Cook – 602-320-4253.

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12451 W Nadine Way Peoria, AZ 85383

$699,000

3 Beds

2 Baths

2,365 SqFt

Status Active

MLS # 6738270

Property Type Single Family Residence

Price Type --

Model home in gated Vistancia Village community next to clubhouse. 3 bedroom with 2 baths and teen room. 3 car garage, Fresh paint, custom built cabinets in living area, wood burning fireplace in backyard, turf in front an backyard.

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18448 E Paseo Verde Drive Rio Verde, AZ 85263

$699,000

3 Beds

2 Baths

2,731 SqFt

Status Active

MLS # 6556128

Property Type Single Family Residence

Price Type --

This is the perfect lock and leave property in the Rio Verde Country Club. This Alexander home has already been updated for you: New A/C units, New Roof with 10-year warranty! Updated kitchen with new Frigidaire appliances and updated bathrooms. High dramatic vaulted ceilings in Great Room and family room make this home feel very spacious. The great room features wooden beams and beautiful views of lush vegetation, flowers and palm trees. Enjoy the elevated wrap around patio with a sunny or shady part at any time of the day, easy to maintain landscaping. South facing patio for warm winter sun in front of the home. The home has a 2.5 car garage and 2 basements which are fully usable.

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16912 W Cielo Grande Avenue Surprise, AZ 85387

$699,000

3 Beds

2.5 Baths

2,585 SqFt

Status Active

MLS # 6654060

Property Type Single Family Residence

Price Type --

ENDLESS POSSIBILITIES w/ 50 ft *climate-controlled* RV GARAGE. Ideas abound: car enthusiast's dream (space for lifts), workshop, game room, exercise studio, a home business, and more! Plus, fully EPOXIED including the adjacent 3-car tandem garage. This 3-Bed/2.5-Bath CORNER LOT Asante home boasts a split floorplan and includes Detailed Upgrades that complement flexible living with inviting entryways to the home and all the bedrooms. The heart of this home is its gourmet kitchen with a SPACIOUS CENTRAL ISLAND featuring extra storage, a herringbone tile backsplash, wall ovens and a corner WALK-IN PANTRY. The 6-burner GAS STOVE is a chef's dream. Wood look porcelain tile floors, a shiplap feature wall and an extra-large fan complete the great room space, and an adjacent flex space is currently a separate dining space. The primary en-suite features a large SPA SHOWER. Outside the entertainer's yard offers indoor/outdoor living with two turf areas, mature trees and rear access to the amazing *climate-controlled* garage! Say goodbye to worrying about the Arizona heat affecting your prized possessionsyour vehicles/toys/work equipment/memorabilia will be protected year-round in this *climate-controlled* haven.

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8952 E Palm Ridge Drive Scottsdale, AZ 85260

$699,000

3 Beds

2 Baths

1,602 SqFt

Status Active

MLS # 6685794

Property Type Townhouse

Price Type --

Within in the heart of Eagle Point, the immaculate Townhome features maintenance free living, vaulted ceilings in every room, spacious bedrooms, separate living room and abundant closets. Everything inside is NEW down to the water valves. New roof in 2023. Complete remodel in 2020 of the kitchen, bathrooms, windows, doors and sliders, floors, and paint. HOA covers entire front landscaping and Community Pool. Home warranty included! This special Scottsdale property won Best Home on Tour! Walkability is a 10+, convenient to parks, freeways, shopping and dining. Move in today and entertain your family and friends this weekend. Embrace the Scottsdale lifestyle you deserve!

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2237 E Captain Dreyfus Avenue Phoenix, AZ 85022

$699,000

3 Beds

3 Baths

2,464 SqFt

Status Active

MLS # 6682338

Property Type Single Family Residence

Price Type --

Within reach of Shadow Mountain. Quiet Neighborhood! City Lights and Mountain Views from the roof/deck overlooking the resort-style pool toward Piestewa Peak. Stunning!. Three separate, individual suites, each with their own en-suite bathroom and walk-in closet. Lower-cost electric with Solar! Fine Designer Woodwork Detail throughout, plantation shutters, Central Vacuum, granite countertops, stainless steel appliances, Fridge and Washer & Dryer included, two separate covered patios, side yard with cool-feel, synthetic grass, ample cool decking around pool. No HOA, close to Phoenix Mountain Preserve Trails. Pavilion of Light. No through traffic. Quiet. Serene. Patio Pool fencing retained. Solar Lease $71/mo.

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2601 W Lodge Drive Phoenix, AZ 85041

$699,000

5 Beds

4 Baths

2,700 SqFt

Status Active

MLS # 6697399

Property Type Single Family Residence

Price Type --

Beautiful custom Home nestled right up to the Base of South Mountain. Seller is willing to flex on price! New kitchen and bathrooms recently remodeled. 2 A/C units and water heater 2 yrs old. Perfect mountain views from the yard. Over half acre of land (33,000+) to do whatever you'd like. Chicken stalls already built. Separate two car garage with attached Casita, bedroom and bathroom. Free standing gazebo. Flowing water during rainy days. Really is a must see!

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17025 E La Montana Drive Unit 123 Fountain Hills, AZ 85268

$699,000

3 Beds

2.5 Baths

2,074 SqFt

Status Active

MLS # 6700795

Property Type Townhouse

Price Type --

LUXURY LIVING AT IT'S FINEST! This gorgeous townhouse is located in the prestigious gated community of Arroyo Verde at Bella Lago. It features an upper deck and lower patio with stunning views. The interior has an wide open floorplan with soaring ceilings. This breathtaking home has updated appliances, interior paint, light fixtures, faucets, water heater, sink, cabinet hardware, plus much more! The community cabana features a pool, hot tub, fitness area, kitchen, and bathrooms. Located in the heart of Fountain Hills just steps from Overlook Trailhead, walking distance to the world famous fountain, Avenue of the Fountains, amazing restaurants, great shopping, McDowell Mountain regional park, and only 15 minutes from the airport! Huge price reduction! Motivated seller! Bring all offers!

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17627 N 14th Avenue Phoenix, AZ 85023

$699,000

8 Beds

3 Baths

3,400 SqFt

Status Active

MLS # 6701889

Property Type Single Family Residence

Price Type --

This is the perfect house for you! Energy-efficient property sitting on a pie-shaped lot in a quiet cul-de-sac with a Casita! This one-story home provides plenty of solar panels that save you money every month. Immaculate interior has a great room w/wood-look floors, thick baseboards, & modern light fixtures. The heart of the home is the oversized family room boasting high vaulted ceilings, skylights, fireplace, & backyard access! Discover a split owner's retreat featuring walk-in closet, access to the backyard, & lavish ensuite. The backyard offers covered patio, plenty of space for your oasis, & RV gate. An ample living room, kitchenette, bedroom, & bathroom complete the casita! Move-in ready

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3935 E Whitton Avenue Phoenix, AZ 85018

$699,000

3 Beds

2 Baths

1,635 SqFt

Status Active

MLS # 6715984

Property Type Single Family Residence

Price Type --

Three bedroom, two bath in Citrus Acres/Arcadia Lite; close to Scottsdale restaurants & shops! Awesome location!! Recently remodeled kitchen & living area. Skylight adds some nice natural light. Spacious bonus room is great for families. House has been well maintained and is ready to sell - come check it out!

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15851 N 16th Street Phoenix, AZ 85022

$699,000

3 Beds

2.5 Baths

2,483 SqFt

Status Active

MLS # 6710570

Property Type Single Family Residence

Price Type --

ELEVATED LOOKOUT CANYON ESTATES IN THE HEART OF THE MOON VALLEY AREA. 3 FULL BEDROOMS, TWO- AND ONE-HALF BATHS PLUS A FLEXROOM/OFFICE/DEN. ALL NEW ROOF INCLUDING NEW TILES 2022. VAULTED CEILINGS LIGHT AND BRIGHT. MOUNTAIN VIEWS AND HIKING AREAS WITHIN WALKING DISTANCE. THE KITCHEN BOASTS AN OPEN FEEL WITH ISLAND WITH SEATING, STAINLESS APPLIANCES AND BREAKFAST NOOK ALL ADJOINING TO A FAMILY ROOM W/FIREPLACE. BACK PATIO W/BLT IN BBQ, FIREPLACE. A BONUS RV GATE & SLAB WITH OUTDOOR LIVING NO HOA FEES. MOUNTAIN VIEWS AND HIKING AREAS WITHIN WALKING DISTANCE. CLOSE TO FREEWAYS AND FOOD AND SHOPPING AMENITIES

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6010 W Arroyo Way Pine, AZ 85544

$699,000

4 Beds

3 Baths

2,571 SqFt

Status Active

MLS # 6707766

Property Type Single Family Residence

Price Type --

Welcome home to this stunning 4 bedroom 3 bath retreat nestled on a peaceful cul-de-sac and backing to the National Forest. Enjoy views of the Rim while relaxing on either of the two completely new decks. From the family room views of the Rim provide a picturesque backdrop to your everyday life. Throughout the house windows give way to nothing but views of the trees and forest. With easy access to the Bearfoot Trail, this is the perfect home for nature lovers and outdoor enthusiasts. This beautiful home is situated on 1.16 acres to provide ample tranquility and privacy. Gourmet kitchen features custom cabinetry, gas stove & granite countertops. Separate dining space provides plenty of space to gather family & friends. Home is being sold furnished so you can move right in and begin enjoying the tranquility and solitude of mountain living.

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7175 E Aloe Vera Drive Scottsdale, AZ 85266

$699,000

2 Beds

2 Baths

1,671 SqFt

Status Active

MLS # 6722114

Property Type Single Family Residence

Price Type --

Premium cul-de-sac lot offers privacy and views of desert open space. Resort style amenities including: Clubhouse, Dining, Fitness Center, Pool, Tennis Courts, Pickleball and Desert Pavilion (Community Center. Spacious Great Room floor plan with 2 Bedrooms, Den/Office, Gas Fireplace and 2 Bathrooms. Kitchen features stainless steel appliances and granite countertops. Primary suite is complemented by a walk-in closet, dual vanities, granite countertops and separate shower and tub. Secondary bedroom with walk-in closet and granite countertops in 2nd bathroom. Laundry room with cabinets. Interior and exterior of the home was painted in June of 2024. Energy saving home with Solar Panels.

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